Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a risk-based capital ratio of 10.7 and a capital leverage ratio of 6.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 16.1 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Comm loans (42%), cash (14%), home mtgs (11%), consumer loans (5%), securities (5%), comm re (4%), home eq lns (1%), other (18%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
TransPecos Financial Corp.
Investment Rating
--
Address
217 West Third Street
Pecos, TX 79772
Pecos, TX 79772
Phone Number
(877) 445-9550
Year Founded
1924
FDIC Number
Website
Largest Affiliates
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